Our Mission
Money is personal. Your financial institution should be too.
At SMW Financial Credit Union, we’re here to help people build confidence, create opportunities, and feel supported at every stage of life — whether you’re opening your first account, buying your first home, paying off debt, growing your savings, or planning what’s next.
We believe banking should feel human. That means real conversations, honest guidance, local decision-making, and people who genuinely care about your goals. No confusing jargon. No corporate runaround. Just a team invested in helping our members and communities succeed.
As a community-focused credit union serving Anoka, Hennepin, Ramsey, and Washington Counties, we’re committed to making a positive impact beyond banking. Through financial education, volunteerism, and personalized service, we work to strengthen the neighborhoods we call home.
Because when our members thrive, our communities thrive too. .
Our Story
SMW Financial Credit Union was founded in 1953 with a simple purpose: people helping people. What started as a financial cooperative serving Local 10 union members and their families has grown into a modern, community-driven credit union serving thousands across the Twin Cities metro area.
Over the decades, the St. Paul and Minneapolis Local 10 credit unions joined together to create SMW Financial Credit Union — combining generations of trust, service, and commitment to working families.
As our communities evolved, so did we. In 2006, we expanded our charter to serve Anoka County, and by 2016, membership became available to anyone who lives, works, worships, attends school, or volunteers in Anoka, Hennepin, Ramsey, or Washington Counties.
Today, we continue to evolve to meet the needs of a new generation of members — offering modern banking solutions backed by personal service and local relationships you can count on.
While technology has changed, our purpose hasn’t: helping people feel financially empowered, connected, and supported.
And no matter where life takes you — new job, new city, new chapter — once you’re a member of SMW, you’re always part of the community.
Once a member, always a member.
